It’s estimated that a total retail value of at least £1.8 billion of music and audio files have  been downloaded to our laptops, phones etc, and while these physical  items may be insured against theft or loss, about 40% of home insurance policies do not cover the full replacement download cost.

If you are not covered then the safest and easiest way to make sure that your investment and listening pleasure is secure is to back up the files using an external hard drive, or a cloud service. About 10 GB should cover the average collection. But for smaller ones even USB sticks might be suitable, what’s more many in car entertainment systems will play from them!